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  • THAILAND

    Bringing your UK pension to sunnier climes

    Spectrum, Andrew Wood, Published on 01/02/2015

    » In our last article on UK private pension liberalisation, we looked at schemes in the UK and how they are affected by the latest government regulations. From April 6, 2015, any private pension scheme held in the UK may be liquidated and the entire pot withdrawn. While this is a very attractive option for many, the reality is that income tax will be levied on these proceeds at the individual’s marginal tax rate for that year. As a consequence, taking the pot in one go will not be as tax-efficient as taking staged drawdowns each year, or as required.

  • THAILAND

    When your house is not a home

    Spectrum, Andrew Wood, Published on 02/11/2014

    » Many expats have conflicting views of the difference between domicile and residence. One school of thought is that they are easily interchangeable, not realising the impact this may have when they die. The vast majority do not understand that probate will have a significant effect on the administration of their estate. Whether you like it or not, your domicile and the probate process are closely tied together.

  • TRAVEL

    The business of living life as an expat

    Spectrum, Andrew Wood, Published on 07/09/2014

    » Expats living abroad are often surprised at the effort required to effectively manage their affairs. Those of us who have left our home countries have usually not emigrated in a single step, yet many resolve not to go back to live in their home country if they can help it.

  • THAILAND

    Do you have adequate retirement reserves?

    Spectrum, Andrew Wood, Published on 10/08/2014

    » Following the last Net Worth column, "Boom or bubble?", a number of readers asked questions about their personal situations and whether they had adequate retirement reserves. "Is there a bubble that is about to burst?" was the question that left many believing that they would be personally affected if that were to happen. In that light, if you are currently reliant on income from investments, are your reserves sufficient and should you be moving them to areas where they will be better protected?

  • THAILAND

    The underlying costs of having children

    Spectrum, Andrew Wood, Published on 24/08/2014

    » Children are expensive. We hear this all the time from any parent. There is no getting away from the fact that if you start a family your life changes in almost every way. For many, their uppermost thoughts are that their social life will transform into something new; there will be sleepless nights, while changing nappies and feeding become 24/7 tasks that quickly turn into tiresome chores.

  • THAILAND

    US citizens take note: Fatca has landed

    Spectrum, Andrew Wood, Published on 13/07/2014

    » After years of talk, the Foreign Account Tax Compliance Act (Fatca) is finally in effect. How will it affect you if you are a US citizen?

  • THAILAND

    A boom or a bubble?

    Spectrum, Andrew Wood, Published on 27/07/2014

    » The world seems to be in a state of fervour with appreciating investment assets. Could the apparent nascent global economic recovery be disrupted by mere interest rate rises or even geopolitical threats? On the one hand everything appears to be chugging along very nicely in the boom. However, there are other influencing factors which many opt to overlook as most of the world joins the ever-growing herd stampeding onwards in their quest for wealth accumulation. Or are they really inflating a bubble?

  • THAILAND

    Which is better for you: Active or passive investing?

    Spectrum, Andrew Wood, Published on 15/06/2014

    » A passive armchair investor and an active day trader have two things in common. They both depend on making the right decision at the front end of their investment cycle; in other words, active decisions.

  • THAILAND

    Risk vs return — what to do next?

    Spectrum, Andrew Wood, Published on 29/06/2014

    » Yield investors beware! Are we talking bond yields or equity yields? How different are the two?

  • TRAVEL

    When the expat shoestring breaks

    Spectrum, Andrew Wood, Published on 18/05/2014

    » Asia is tantalisingly attractive and living here makes us feel elated and happy. The carefree lifestyle can distract us from the realities of unexpected events. This can become a trap, leaving you financially vulnerable and exposed.

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